RBL Bank Financial Performance Update

Focus on Retail Deposit Growth FY20 Growing granular Deposits FY23 8,562 84,878 ....Resulting in Improved Ratios 3,097 15,407 57,812 Approx. 70% of incremental deposits from <2cr. And retail LCR < 2 cr. Deposits Others Total Deposits Retail LCR* Total Deposits * Not included in < 2 cr Deposits .......While Maintaining Healthy Liquidity 143% 141% 130% 42.8% 38.9% 37.2% 37.9% 41.7% 37.2% 37.5% 34.5% March, 2020 March, 2021 March, 2022 March, 2023 -Retail LCR Less than Rs. 2 cr .... And Moderating Cost of Funds Reducing Borrowings 17,007 13,331 730 1,152 16,277 12,180 March 2020 March 2023 ■Borrowings ■Tier 2 Investing in Branch Network 6.83% 5.90% 5.00% 5.37% 6.77% 502 517 5.85% 5.30% 429 4.93% 386 126% March 2020 March 2021 March 2022 March 2023 FY20 FY21 -LCR Cost of Funds FY22 Cost of Deposits FY23 March March March March 2020 2021 2022 2023 apno ka bank | RBL Bank 28

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